Defending collection cases brought by professional collectors is often a thankless and hopeless endeavor.
We have nonetheless enjoyed some measure of success defending such claims. We have found that the credit card companies when they sue are not looking for or expecting any serious resistance. We can deluge them with requests for documentation and evidence to support their claims that they are often unable to produce and they will typically give up or give in to a steep compromise of their claim. We do not shy away from taking on these cases and our clients have been pleased with the results.
Repossession involves many technically complicated steps, so these cases can be defended on a showing that the repossessor did not follow all the rules or their conduct was not commercially reasonable.